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Jun 26

2014

by Michelle

by Michelle, Assistant Vice President, Operations

by Michelle, Assistant Vice President, Operations

Being prepared is key when traveling out of the state or out of the country. Using your card is a safe and convenient way to pay for purchases while on vacation.  However, there are precautions that should be taken when traveling with plastic – for both debit and credit cards.

 

Call and let us know your travel plans. This can prevent our fraud monitoring systems from viewing your charges as suspicious and blocking further charges. Our computer programs that monitor your transactions can be tailored to fit your travel schedule. If our system spots unusual charges outside your normal spending profile – for example you live in San Francisco and you’re checking into a hotel in London– it might assume your card information has been stolen.

 

If we are not able to get in touch with you to verify charges, your card may be blocked until we can verify that it’s really you using the card. Remember, we will never ask for your credit card number or account number. You will be asked to verify ONLY the last four digits of your Social Security Number.

 

Here are a few phone numbers to take with you when you travel:

Pacific Service CU
(888) 858-6878 (925) 609-5288

 

After Hours
(866) 692-8669 – service center

 

(800) 543-5073 – report lost or stolen cards
(888) 241-2440 – declined transaction (using your PIN)

Outside US call collect (909) 941-1034
(800) 890-5097 – declined transaction (using signature)

Outside US call collect (727) 556-9000

 

Your pre-departure communication with us is also a good time to discuss any questions you may have regarding foreign transactions and provide us with the best way to reach you to verify spending.

 

By taking the time now to enable and protect your card, you can ensure that your travel plans will have no interruptions and you will receive all of the benefits your card has to offer.

Apr 1

2014

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Great news!  If you’re tightening your budget or even just trying to save a little money – we’ve got a great deal for you.

 

Give your finances a workout by trimming high-rate credit cards with a no-cost balance transfer. It’s the easy way to save money on interest and lower your monthly payments.

 

For a limited time, we’re offering  1% cash back on Visa balance transfers.  Our Visa Platinum Card features no annual fee, no balance transfer fee and no cash advance fee – now that’s a great deal!

 

When you transfer your credit card balances from another lender to your Pacific Service CU Visa Platinum Card by June 30, 2014, we’ll give you 1% cash back—up to $100.

 

It’s easy to take advantage of this special cash back offer. Apply online for an instant loan decision or call a member service representative at (888) 858-6878.  We’re ready to help.

 

Dec 10

2013

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Collecting your coins can add up to big money! You may be surprised that your spare change could make for a nice bonus around the holidays.

 

If you’re like me, you have coin stashes in piggybanks, bags and containers around your house. Collect the coins yourself or make it a fun project for the kids.

 

Next stop, Pacific Service CU. Bring your coin collection into one of our five Coinstar coin counting machine locations. Simply pour your change into the Coinstar tray and watch your total add up. Our friendly member service representatives can give you cash or deposit the amount into your account. Or, let the kids use some of the money on holiday gifts for family or friends! It’s easy and free for members.

 

Stop by our San Francisco, San Ramon, Pleasant Hill, Livermore or Fresno branch to try Coinstar.

 

Good luck with your coin counting and happy holidays!

 

by Kristin, Vice President, Marketing

Dec 3

2013

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At Pacific Service Credit Union, we believe that teaching children and young adults about money management instills important financial habits that last a lifetime. That’s why we’ve designed a suite of products specifically suited to children and young adults.

 

Take a moment to review our age-specific products and help someone in your family to a lifetime of savings:

 

Savings Accounts
We believe it’s important to teach our children and grandchildren to save money. For young adults, we’ve lowered our certificate minimums to only $100 to make it easier to maximize their earnings. We also encourage members under age 21 to save by adding an extra $5 to their account when they deposit their birthday money with us.

 

FirstStep Checking
FirstStep Checking was created for members 23 and under. It features no minimum balance requirement, no monthly fees, and out-of-network ATM fee reimbursement up to $3 per transaction and $12 per month. And it still has all the “frees” of our regular checking accounts like a Visa debit card, mobile banking, online banking, eStatements and bill pay.

 

Visa Platinum Starter Card
We also want to instill the importance of building a positive credit history. That’s why we developed our Visa Platinum Starter Card program. It features no annual fee and a $500 initial credit limit, which is perfect for first-timers while they learn how to manage credit. The credit limit is reviewed annually as the member builds a positive credit history.

 

First-Time Car Loan
Buying a car is likely in your young adult’s future. They imagine color, style and features, but they also need to consider a low rate and an affordable monthly payment. That’s where we come in. With a job, a college degree or a parent co-signer, we can help them qualify for our lowest rates. That’s a huge benefit and a rare opportunity.

 

We know our kids have challenges ahead, but finding affordable financial services shouldn’t be one of them. Check out our website devoted to our young adult members for more information.

 

If your child or grandchild isn’t already a Pacific Service CU member, it’s the perfect holiday gift. Skip the “cash in a card” and give them financial benefits that last a lifetime.

 

You may also be interested in:
The “I want that!” lesson for kids
Young Adults and Money 101
Ten Ways for Young Adults to Build Credit

 

by Kristin, Vice President, Marketing

Nov 5

2013

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A skimming device is a tool illegally affixed to a legitimate ATM or other automated point-of-sale machine to assist criminals in committing fraud. The device picks up ATM or debit card information when your card is swiped. A miniature camera sometimes used with the device to record the PIN of users. By copying the data onto blank cards and using an acquired PIN, fraudsters can access your money.

 

ATM skimming is a sophisticated crime. The devices used to commit fraud are complex and difficult to detect. At the same time, ATMs are well equipped with security measures to detect unauthorized activity. Additionally, our branch staff has procedures in place to prevent our ATMs from being compromised and processes to ensure any tampering is immediately detected. We have had some members fall victim to these devices at gas stations, restaurants or other self-service point-of-sale machines. As always, we feel that awareness is the best way to prevent any type of fraud.

 

Here’s how to protect yourself from fraud associated with skimming devices:

 

Physical protection
The simplest and most effective way to protect your card and PIN is to cover the keypad from view when you enter your PIN. Developing this simple habit can prevent thieves from accessing your money, regardless of whether they’ve skimmed your card.

 

Be aware
Take caution if you notice inconsistencies in your ATM experience. Some fraud artists are now using cell phone cameras to film videos of PINs being entered while standing behind users at ATMs.

 

If you’ve used an ATM in the past and you remember it being a motorized ATM (one that takes and holds your card during your transaction) and now it’s a “dip” ATM (one that you simply dip in and pull your card out), take caution. A skimming device may be attached.

 

Similarly, if the card swipe doesn’t match the color or style of the ATM machine, it might be a skimmer. Compare the card device to others at nearby ATMs or gas pumps. Gas stations that ask for your zip code instead of your PIN may be a safer option.

 

Above all, trust your instincts. If you suspect foul play, or if you’re in doubt about the authenticity of a machine, use a different machine or payment method.

 

Transaction alerts
Transaction alerts keep you informed of account activity. When a transaction occurs on your account, you’ll receive a courtesy email. If the transaction wasn’t yours, contact us immediately. An immediate response to suspected fraud is the best way to protect your money. We can shut down your card to protect your funds and send you a new card or issue you a new card at a branch. These simple alerts can be set and managed under the “Manage Profile” tab in BranchLine online banking.

 

If you suspect that you could have been a victim of ATM skimming or any fraudulent activity, call us at (888) 858-6878 as soon as possible. We can offer additional layers of protection on your account.

by Michelle, AVP, Operations

 
   
 
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